The Best Credit Card Points to Earn in 2023

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credit card points to earn 2023

The Best Credit Card Points to Earn This Year to Fuel Your Travels

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Travel is ramping back up this year, and between that and sky-high flight prices, it's the perfect time to turn to points and miles to save on your next trip.

As you get started, though, remember this: Not all credit card points and airline miles are created equally.

Some points programs are better than others, and that's where you should be focusing your attention as you plan your travels in 2023. Case in point: Scan this list of the top points to earn this year, and you won't find a single airline mileage program or hotel loyalty system. Flexibility with your points is more important than ever – and that's what this list is all about.

Read on for the best credit card points you can earn to fuel your 2023 adventures … and beyond.



Capital One Venture Miles

Capital One has made some huge improvements to its already valuable Venture Miles over the last few years. That wasn't an accident: It all coincided with the launch of their brand new premium travel credit card, the Capital One Venture X Rewards Credit Card, in late 2021.

That card currently offers a welcome bonus offer of 75,000 miles after spending $4,000 in the first three months of card membership. So does the standard Capital One Venture Rewards Credit Card, as a matter of fact.

But we think the Venture X might just be the single best travel rewards credit card we've seen. While it has an annual fee of $395, frequent (and even infrequent) travelers can easily offset that, thanks to just two of the many benefits the card offers.

But aside from all the great benefits provided by the Capital One Venture X Card and other Capital One cards, the reason to prioritize earning Venture Miles comes down to their flexibility and value. When it comes to redeeming Venture Miles, you'll have three options.

First, there's the ability to use points to cover almost all travel purchases, by far the easiest way to use your Venture Miles – or any points and miles, for that matter. Just use a Capital One Venture X, Venture, or even a VentureOne credit card to make a travel purchase, then go back and use your miles to erase the expense. Using your miles this way, every Venture Mile is worth 1 cent. That means you can cover a $500 flight, hotel, or rental car using 50,000 miles.

Read more: 9 Unique Ways to Use Capital One Miles for Travel


Venture X credit card


Next, there is a growing list of great transfer partners like Emirates, Singapore Airlines, Turkish Airlines, Air Canada Aeroplan, and more, which allow you to really maximize their value – especially if you want to book a business or first class seat. Take a look at the full list of Capital One Transfer partners below.


ProgramTypeRatioTransfer Time
Air Canada Aeroplan Airline1:1Instant
Air France/KLMAirline1:1Instant
Avianca LifeMilesAirline1:1Instant
British AirwaysAirline1:1Instant
Cathay Pacific AsiaMilesAirline1:1Up to five business days
Emirates Airline1:1Instant
EtihadAirline1:1Up to 1 day
EVA AirAirline2:1.5Up to five business days
TAP Air PortugalAirline1:1Same day
Turkish AirlinesAirline1:1Same day
Virgin RedOther1:1Same day
AccorHotel2:1Up to two business days
WyndhamHotel1:1Same day
Choice HotelsHotel1:1Same day


Read more: 7 Sweet Spots to Use Capital One Miles

Finally, you can book travel through the Capital One Travel portal using your Venture Miles. This method is especially useful for Venture X cardholders as you'll have a $300 annual travel credit to burn that must be used in the portal each and every year you hold the card.

With these three methods of booking travel, you'll have a ton of flexibility and options for your Venture Miles. That flexibility adds value and it's a big part of the reason we think Venture Miles are some of the best credit card points to earn this year.


How to Earn Capital One Venture Miles

The Capital One Venture X Rewards Credit Card is the bank’s very first premium travel card. Think of it as a souped-up version of the ever-popular Capital One Venture Rewards Credit Card that’s chock full of extra benefits: Access to Capital One Lounges and Priority Pass lounges, a $300 annual travel credit, a credit for Global Entry or TSA PreCheck, great travel and rental car insurance protection, and more. The annual fee clocks in at $395 a year, but the benefits can easily outweigh that. It's the reason why we think the Venture X annual fee shouldn't scare you off. 

Here’s the best part: You can currently earn 75,000 Venture Miles after spending $4,000 in the first three months. Considering you earn at least 2x for every dollar you spend on the Venture X Card, you’ll earn a total of at least 83,000 Venture Miles.


capital one venture x card


Learn more about the Capital One Venture X Rewards Credit Card.


Meanwhile, the Capital One Venture Rewards Credit Card remains truly one of the best travel credit cards for beginners.

You earn 2x points on every purchase and even get a credit that covers the cost of Global Entry or TSA PreCheck – all for a card with a $95 annual fee.

But, the true allure for beginners is its easy-to-use Purchase Eraser tool to redeem miles for travel. Just charge any travel expense – flights, hotels, Airbnbs, tours, excursions, and so on – to your Venture Card. Then go back to use points to wipe the cost from your credit card statement.

Or, transfer Capital One miles straight to one of their 19 airline or hotel partners to maximize your miles. Capital One currently offers a welcome bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening. This is equal to $750 in travel purchases or can be transferred for up to 75,000 miles with partner airlines or hotels.


capital one venture card


Learn more about current offers for the Capital One Venture card


The Venture Rewards card isn’t the only card that can transfer miles. You can also transfer miles from the no-annual-fee Capital One VentureOne Rewards Credit Card and the Capital One Spark Miles Select for business cards. The VentureOne card earns 1.25x miles per dollar spent on all purchases and the Spark Miles Select card earns 1.5x miles per dollar on all purchases.

The VentureOne card has no annual fee but offers lower miles-earning opportunities: 1.25X miles on every purchase, and you can currently earn bonus_miles_full


capital one ventureone card


Learn more about the card_name


Chase Ultimate Rewards Points

No points and miles earning strategy is complete without a stable of Chase Ultimate Rewards points. In fact, we recommend starting with Chase credit cards. That's because they get harder to acquire later on thanks to something called the Chase 5/24 Rule.

Like Capital One Venture Miles, the value of Chase Ultimate Rewards points comes from their flexibility.

When it comes time to redeem Ultimate Rewards points, you'll have three options. First, you'll be able to book travel through the Chase Ultimate Rewards travel portal. When you go this route, you'll be able to book flights, hotels, rental cars, and more – and when you do, your points will be worth either 25% or 50% more, depending on which Chase Sapphire card you have.


Chase Sapphire Reserve vs Preferred


If you hold the Chase Sapphire Preferred® Card, your points will be worth 1.25 cents each through the Chase travel portal. Hold the Chase Sapphire Reserve®? Your points will be worth 1.5 cents apiece. So for example, booking $750 in travel would require 60,000 points for Sapphire Preferred cardholders and only 50,000 points for Reserve cardholders.

You'll also have the ability to send your Ultimate Rewards points to a list of Chase transfer partners. They have a bit of overlap on transfer partners with Capital One, but they also have a few unique options like United Airlines, Southwest Airlines, Hyatt hotels, and more. Just as with Capital One, this is an excellent way to maximize the value of your Chase points.

Take a look at the full list of Capital One Transfer partners below.


ProgramTypeTransfer RatioTransfer Time
Aer LingusAirline1:1Instant
Air Canada AeroplanAirline1:1Instant
Air France/KLMAirline1:1Instant
British AirwaysAirline1:1Instant
Iberia PlusAirline1:1Instant
Singapore AirAirline1:112-24 hours
Southwest AirlinesAirline1:1Instant
United AirlinesAirline1:1Instant
Virgin AtlanticAirline1:1Instant
World of HyattHotel1:1Instant
IHGHotel1:11 day
Marriott RewardsHotel1:12 days


Read more: Chase Transfer Partners: How to Use Your Ultimate Rewards Points

Admittedly, utilizing the Chase transfer partners effectively will take a little bit more work, but it is the top way to get outsized value out of your Ultimate Rewards points.

Read more: 10 Great Ways to Spend Chase Ultimate Rewards Points


How to Earn Chase Ultimate Rewards Points

The Chase Sapphire Preferred® Card is easily the best place to start.

You can earn 60,000 Ultimate Rewards points after spending $4,000 in the first three months.

You’ll also earn 3x points for every $1 spent on dining, including eligible delivery services. You’ll earn 3x points per dollar spent on online grocery purchases, 3x points per dollar spent on select streaming services, and 2x points per dollar spent on travel purchases.

With just a $95 annual fee, it’s more than reasonable. And considering you’ll get at least $750 toward travel when booking through the Chase travel portal (or much more by using some of the transfer partners mentioned above), that’s a ton of value for a cheap travel credit card.

Read our full review of the Chase Sapphire Preferred!


chase sapphire preferred card


Learn more about the Chase Sapphire Preferred Card


For the more seasoned traveler looking for premium perks, the Chase Sapphire Reserve® is still a great option. That’s because it comes with an outstanding set of benefits like an easy-to-use $300 annual travel credit, a free Priority Pass lounge membership, up to $100 toward TSA PreCheck, Global Entry, or Nexus enrollment, and much more. Those perks can easily outweigh the $550 annual fee.

You’ll earn 60,000 Ultimate Rewards points after spending $4,000 in the first three months.

If you hold the Sapphire Reserve, every point gets you 1.5 cents when booking directly through Chase. You’ll also get 3x points on every travel and dining purchase.


chase sapphire reserve


Click Here to learn more about the Chase Sapphire Reserve.


Unfortunately, you can’t stack both bonuses. Chase restricts cardholders to just one Sapphire card at a time, and you can’t earn the bonuses within 48 months of each other. These (and most Chase cards) also fall under the dreaded Chase 5/24 rule, which means you won’t get approved if you’ve opened five or more credit cards from any bank within the last 24 months.

That said, there’s another card that is a perfect complement to the Chase Sapphire Preferred Card. Actually, there are two.

Enter the Chase Freedom Flex℠ and Chase Freedom Unlimited® cards. These two Chase credit cards have no annual fee and typically earn cashback. But pair one with the Chase Sapphire Preferred or Reserve cards, and it forms a powerful tandem that can help you earn even more Chase Ultimate Rewards points.

Finally, small business owners should give a hard look at a pair of no-annual fee business cards: The Chase Ink Business Cash® Credit Card and the Chase Ink Business Unlimited® Credit Card are both out with a $900 cash back bonus after spending just $6,000 in the first three months of card membership … with an easy path to turning the cash back into 90,000 Chase points.

Related Reading: Have a Chase Sapphire Card? Here's What to Do Next


American Express Membership Rewards Points

Another spot on the list of the best credit card points to earn this year are American Express Membership Rewards points.

We might sound like a broken record, but once again, the reason Membership Rewards points have a lot of value is due to their flexibility. You'll have two options for redeeming your Amex points.

First, you can use them to book travel through Amex's travel portal – dubbed Amex Travel. Each Amex point will be worth 1 cent, regardless of which American Express credit card you have. That means a $500 flight or hotel would cost 50,000 Membership Rewards points.


Amex Gold vs Platinum


But the real value for Amex Membership Rewards points, in particular, comes from the list of Amex transfer partners. Need to earn some Delta SkyMiles? You can transfer Membership Rewards points into your SkyMiles account to book some of the amazing Delta SkyMiles flash sales we send to our Thrifty Traveler Premium+ members.

But there are also great opportunities to send points to 15+ airlines for amazing value as well as a few hotel programs. for an amazing value. Again, you will find some overlap between both Capital One and Chase – and that's not a bad thing. But you will also find some unique options like Delta Air Lines, All Nippon Airways (ANA), and more.

Check out the full list of Membership Rewards transfer partners below.


ProgramTypeTransfer RatioTransfer Time
Aer LingusAirline1:1Instant
AeroMexicoAirline1:1.63-5 days
Air Canada AeroplanAirline1:1Instant
Air France/KLMAirline1:1Instant
ANAAirline1:11-2 days
British AirwaysAirline1:1Instant
Cathay PacificAirline1:1Instant
IberiaAirline1:1Up to 24 hours
Qatar AirwaysAirline1:1Instant
Virgin AtlanticAirline1:1Instant


Read more: The 10 Best Ways to Redeem Amex Membership Rewards Points


How to Earn Amex Membership Rewards Points

It starts off with an 80,000-point welcome bonus on *amex platinum card* after spending $8,000 within six months – and that alone is tough to beat. But you can do better.

Make sure to check to see if you are eligible for the outstanding 150,000-point offer via CardMatch! Otherwise, you can get at least a 100,000-point bonus through a targeted personal referral link or by searching for the Platinum Card in an incognito browser.


*amex platinum*


Learn more about *amex platinum*.

And then there’s the *amex gold card*, one of our favorite all-around cards, period. It earns 4x points at U.S. supermarkets (on up to $25,000 each year, then 1x) and restaurants. You'll earn a welcome offer bonus of 60,000 Amex points after spending $6,000 within six months.

But you may be able to get a 75,000-point welcome bonus via CardMatch or a 90,000-point targeted offer via a personal referral link.


*amex gold card*


Learn more about the *amex gold*

With either card, you’ll have a hefty stash of points to put to use for some future travel that can easily offset their annual fees: $695 a year on the Amex Platinum (see rates & fees) and $250 for the Amex Gold Card (see rates & fees).


Bilt Rewards

Renters pay close attention: It's time to start earning points on your hefty monthly payments.

You can do it easily with Bilt Rewards. Bilt is a relative newcomer to the credit card and travel rewards game, but it has made a name for itself by allowing its cardholders to earn valuable transferrable points on monthly rent payments. Plus, the Bilt Rewards Mastercard® card has no annual fee.

Essentially, you can earn points on your rent payment no matter where you live.

If your landlord is a member of the Bilt Rewards Alliance, you can easily pay your rent electronically through the Bilt Rewards app by securely linking your bank account. Even if your landlord is not affiliated with Bilt Rewards, you can still pay rent through Bilt with a check, fee-free, and earn points. That means that technically any renter is able to use Bilt Rewards.

It's still hard to earn a ton of these points – especially if you don't have the Bilt Card. But they make up for it with an unbeatable stable of transfer partners that arguably make Bilt Rewards points the most valuable travel rewards currency in the world. You can transfer points to both American and United, Hyatt, and a handful of other lucrative options.

Here's the full list:


ProgramTypeTransfer Ratio
Aer Lingus AviosAirline1:1
Air France/KLM Flying BlueAirline1:1
Air Canada AeroplanAirline1:1
American Airlines AAdvantageAirline1:1
British Airways AviosAirline1:1
Cathay Pacific Asia MilesAirline1:1
Emirates SkywardsAirline1:1
Hawaiian Airlines HawaiianMilesAirline1:1
Iberia AviosAirline1:1
Turkish Miles & SmilesAirline1:1
United MileagePlusAirline1:1
Virgin Atlantic Flying ClubAirline1:1
World of HyattHotel1:1
IHG HotelsHotel1:1
Marriott BonvoyHotel1:1


You can also redeem your points through the Bilt travel portal, but that's nowhere near as alluring as these transfer partners.


How to Earn Bilt Rewards Points

If you hold the Bilt Mastercard and make at least five transactions per statement period, you'll earn one point for each dollar of rent (up to 50,000 annually). That means a $2,000 rent payment = 2,000 Bilt points every month.


bilt card


Learn more about the Bilt Rewards Mastercard


You will also earn 2x points on travel when you book directly with an airline, hotel, car rental, or cruise line. Finally, the card will earn 3x points per dollar spent on dining plus 1x points per dollar spent on other purchases, as long as cardholders make a minimum of five card transactions in a statement period.

Bilt sweetens the deal on the first of each month with double the points on what it calls Bilt Rent Day.


Bottom Line

Focusing on these four points currencies will open up literally hundreds, if not thousands, of possible redemption options. It's the beauty of transferrable credit card points and why they should be at the forefront of your points and miles earning strategy this year and every year.

So, stop swiping your airline credit card everywhere you go and start focusing on piling up these points.


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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